So much for being all excited about refinancing last week. Everything was set to go and I had an appointment for the Notary to come to my house on Friday at 4:00 p.m. to sign all of the paperwork and then I get a call at 1:30 p.m. It was not good news. I have to postpone the closing until mid November due to some weird FHA rules that would end up costing me an extra month of interest charges from my current lender. Apparently, the lender must collect 30 days worth of interest and my title would not record until November 2nd which throws me into another month.
I had the choice to pay the additional $1500 of interest charges to close right away or I could hold postpone it until mid November and avoid paying the additional money. No brainer, right? So now I have to make my November payment and the new closing date will be in mid-November. I will end up not having to make a mortgage payment in December versus November so it is going to come out about the same. I also have to take the cashier's check back to the bank since the closing costs will not be the same amount next month. I feel like I wasted a big part of my Friday but life could be worse! On a positive note, my new monthly payment is going to be $468 lower which is much better than I thought. I was thinking I would save around $300-325 a month so that is BIG plus. All I know is that I will so glad when this all said and done!
I had the choice to pay the additional $1500 of interest charges to close right away or I could hold postpone it until mid November and avoid paying the additional money. No brainer, right? So now I have to make my November payment and the new closing date will be in mid-November. I will end up not having to make a mortgage payment in December versus November so it is going to come out about the same. I also have to take the cashier's check back to the bank since the closing costs will not be the same amount next month. I feel like I wasted a big part of my Friday but life could be worse! On a positive note, my new monthly payment is going to be $468 lower which is much better than I thought. I was thinking I would save around $300-325 a month so that is BIG plus. All I know is that I will so glad when this all said and done!
The remainder of my Friday was spent running errands, bathing dogs, doing laundry and eating my favorite salad BBQ Chicken Salad from CPK. I bought a full size salad to eat for lunch and dinner! I think I earned it after stressing myself out on over this whole refinancing dilemma. This salad is my favorite and I also love the fat free balsamic vinagrette dressing.
I also planned on running on this morning and I was hoping to get at least 6 miles in since I had only put in 2 miles earlier in the week. I have also been thinking about changing back to Mizunos. As much as I love my Nike's I am wondering if they are part of my problem. They just don't feel as comfortable anymore so I ended up buying another pair of Mizunos. I have ran in Mizunos before so they are not new to my feet but I didn't want to put too many miles on them for the initial run.
My run did go as planned! I ran 6.30 miles in my Mizunos at a 9:30 pace. It was slower than I would have wanted it to be but that was the comfortable pace. My feet felt much better in the Mizunos so I might switch back to them for a while. Slower paced runs are going to have to work for now because the shin pain is still there. I think it's better but it's definitely a problem and affects my ability to run the pace and distance that I would like to.
Today we are going Halloween costume shopping for my son. I am not sure what he is going to dress up as but he always wants some crazy scary costume. I also have to get busy making my costume for work this week. I saw this cute idea on the Internet and I hope that nobody shows up dressed in the same costume!
Do your kids dress up for Halloween? What are they going to be this year?
My son goes to a private school and they do not allow the students to dress up. They have a fall festival instead which is more like a carnival with games and food. He does dress up at home and we take him out trick or treating in our neighborhood.
Does your employer celebrate Halloween and encourage you to dress up?
We fund raise for a charity every year and have a lunch with raffles. They do give away prizes for the best costumes so I am hoping to grab a prize this year!
